I am 22 years old, newlywed with a step-daughter and a child on the way. My wife can't find a job, but would be limited due to being pregnant. I'm in the military and only bring home about $2,800 a month...if that! Our rent is over $1,000 a month because we live in NJ...and it's very expensive here. Basically, I know that if my family and I are going to have a better life financially, I need to consolidate our debt NOW!!! Like I always say, "money isn't everything, but it gives you breathing room". I need help and I need it now!!!


